FHA Loan Limits in Rockingham County, Virginia (2026)
Buying in Rockingham County or elsewhere in Rockingham County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Rockingham County — Rockingham County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfax and Loudoun Counties.
FHA affordability around Rockingham County
With Rockingham County's median sale price estimated near $433,000 (think Rockingham County), the FHA down payment is roughly $15,155. Factoring Virginia property taxes near 0.82%, expect about $3,222 monthly, pointing to income near $125,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Rockingham County
FHA payments across Rockingham County price points — from entry homes near Rockingham County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $312,000 | $10,920 | $2,354 |
| Local median — $433,000 | $15,155 | $3,222 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Rockingham County too — get notified.
Buyers across Rockingham County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,155 down payment near Rockingham County into little out of pocket.
Multi-unit FHA limits in Rockingham County
Rockingham County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Rockingham County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Rockingham County for 2026?
- In Rockingham County (Rockingham County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Rockingham County with FHA?
- For a median-priced ($433,000) Rockingham County home, plan on income around $125,000 at a 31% housing ratio — about $3,222/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Rockingham County?
- 3.5% with a 580+ score — roughly $15,155 on a $433,000 Rockingham County-area home. Gift funds are allowed.
- Is Rockingham County a high-cost FHA area?
- No — Rockingham County uses the $541,287 national floor for one unit.